The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$59,732
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,590
−HK$1,887/mo
Today · 4.125%
HK$63,477
baseline
▲ 0.50% · 4.625%
HK$67,340
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,954/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,451
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,233
−HK$1,808/mo
Today · 4.125%
HK$70,041
baseline
▲ 0.50% · 4.625%
HK$73,733
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,082/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,678
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,908
−HK$2,265/mo
Today · 4.125%
HK$76,173
baseline
▲ 0.50% · 4.625%
HK$80,808
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,346/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,741
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,880
−HK$2,169/mo
Today · 4.125%
HK$84,049
baseline
▲ 0.50% · 4.625%
HK$88,480
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,098/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,624
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,226
−HK$2,642/mo
Today · 4.125%
HK$88,868
baseline
▲ 0.50% · 4.625%
HK$94,276
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,736/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,031
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,526
−HK$2,531/mo
Today · 4.125%
HK$98,057
baseline
▲ 0.50% · 4.625%
HK$103,226
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,114/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,517
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,861
−HK$3,398/mo
Today · 4.125%
HK$114,259
baseline
▲ 0.50% · 4.625%
HK$121,212
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,518/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,612
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,820
−HK$3,254/mo
Today · 4.125%
HK$126,074
baseline
▲ 0.50% · 4.625%
HK$132,719
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,148/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,295 · Scale 2, in force from 26 Feb 2026)